Property Management

What is a multi-family property classification and how does it affect financing and management in Nevada?

AMulti-family is only relevant for commercial transactions
BProperties with 2–4 units are residential (conforming loan eligible); 5+ units are classified as commercial, requiring commercial financing and different management considerations✓ Correct
CAll multi-family properties in Nevada require commercial licenses
DNevada treats all multi-family properties as commercial

Explanation

In Nevada financing and management, 1–4 unit properties are classified as residential (eligible for residential mortgages, Fannie/Freddie). 5+ unit properties are commercial, requiring commercial financing (typically larger down payments, DSCR underwriting). This distinction also affects insurance, management regulations, and licensing.

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